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What to do...

In case of a car accident

These helpful checklists can help you get through a stressful time.

Being involved an accident, even on a small scale, can be a stressful experience. Here are some things you should think about immediately after an accident to help you get your claim started off on the best possible foot. The good news is that the worst part is over. We’re ready to help you make things better as fast as possible.

If there is damage to your car

If you are even slightly hurt in an accident, please follow the following steps. You may not realize the full extent of your injuries until later, so it’s best for you to be as safe as possible. We’ll be ready to support you.

1

What to doMake sure you’re okay. Take a moment to check that you and any passengers in your car haven’t been injured. Your health is the most important thing to consider.

WhenImmediately

2

What to doMove your vehicle. Safety first. If your car is still drivable, move your vehicle to a safe location out of traffic right away

WhenAs soon as possible

3

What to doDo not accept fault. Even if you think you may be responsible, do not make a decision in the moment that may cost you money later

WhenThroughout the conversation with the other party

4

What to doYou and the other driver should provide each other with your name, address, telephone number, driver's licence number, insurance company name and policy number, and year/make/model of vehicle

WhenBefore leaving the site of the accident (after #2)

5

What to doLook for witnesses. If someone saw your accident, you may want to want to ask if you can contact them to support your version of events

WhenBefore leaving the site of the accident

6

What to doReport it to the police. In cases where the damage is slight and no one was hurt, many people think it’s not important to report the incident. But if there is any damage at all, reporting it to the police is a good rule of thumb.

WhenBefore leaving the site of the accident

7

What to doGet to the nearest repair shop. In most cases, if your vehicle cannot be driven, a tow truck is legally obligated to bring it to the nearest Collision Reporting Centre. You can contact us from there to talk about your next steps, including taking your car to a repair shop from our Rely Network®.

WhenThis should be the next stop for your car after it leaves the accident site

8

What to doContact us as soon as possible. We can confirm your insurance coverage, tell you if you're entitled to any services or to a rental car, and recommend a preferred repair shop. You can reach a belairdirect claims representative at , 24 hours a day, 7 days a week

WhenRight after calling the police

10

What to doOnly fix what needs to be fixed. Do not get any repairs done, other than those necessary to make the vehicle drivable (i.e. installing a spare tire, patching a damaged tire). Please contact us before making any other repairs.

WhenAfter having spoken with us

If you are injured in an accident

Here are some steps to follow, whether your car has suffered a minor fender bender or major structural damage. Make sure you're safe and that your car is not a danger for others, then gather all the necessary information you need to begin the claim process.

1

What to doCall emergency. Call emergency services to the site of the accident and have them write out an accident report.

WhenImmediately

2

What to doSee a doctor. As soon as possible, you should visit a doctor for an examination. In addition to making sure you’re okay, your doctor should list all symptoms relating to your motor vehicle accident in your medical report.See a doctor. As soon as possible, you should visit a doctor for an examination. In addition to making sure you’re okay, your doctor should list all symptoms relating to your motor vehicle accident in your medical report. Have your doctor send you all reports to the Société d'assurance automobile du Québec (the "SAAQ", Quebec's public automobile insurance plan).

WhenAs soon as possible

3

What to doCall us. We’ll start your claim and support you through each step of the process until your claim is completed.

WhenAfter you have contacted the police or at first opportunity

4

What to doShare medical information. On disclosure of injuries, you will be assigned an Accident Benefit Adjuster, who will handle all matters related to your injuries. They will review your benefits and provide you with the necessary forms required to be completed in order to start the payment of your benefits.Contact the SAAQ. You must contact the SAAQ (Société de l'assurance Automobile du Québec) as soon as possible so that your file can be opened quickly. You will receive your file number by phone, and then we will send you (by regular mail) the documents you and your doctor need to complete.

WhenWhen speaking to your injury adjuster

Did you know?

If you are injured in an accident, you also should contact your personal insurance company.

The SAAQ’s public automobile insurance plan covers all road users residing in Quebec. Quebec residents who suffer bodily injury in an accident will be compensated, whether or not they are responsible for the accident.

If your car is a total loss

A vehicle is a total loss if it would cost more to repair it than what the car is actually worth.

1

What to doTalk to the claims adjuster who is handling your file. A claims adjuster will contact you and inform you of the next steps.

WhenAs soon as possible

2

What to doFind all applicable documents. A copy of your registration, sale or lease contract and repair invoices, are just a few items that will be requested.

WhenOnce you are notified the vehicle is potential total loss

3

What to doDetermine the value of your car. Upon receipt of the requested documents, your adjuster will be in a position to provide you with your vehicle's value

WhenOnce the vehicle is appraised and your documents are received

4

What to doEmpty your car. Your vehicle will need to be emptied of all personal belongings

WhenOnce you have notified that the vehicle is a total loss

5

What to doGive consent. Your consent is needed to move your vehicle to one of our recycling companies to minimize costs until the settlement of the file. Only then will the ownership of the car be transferred to belairdirect’s name

WhenWhen you first contact us

Your vehicle's value is established by your insurer depending on the insurance coverage in effect when the loss occured.

If your car has been stolen

It’s a terrible feeling to discover that your vehicle has been stolen. We can help you to recover your belongings. Remember that in addition to your car, your insurance may cover some of the items inside it (as long as they were used only with your car)

1

What to doCheck if your car was towed. Look at nearby signs to see if there are parking restrictions where you parked. You may want to call a towing company to double check that the vehicle was not towed. Some cities or districts have direct lines or websites that can give you this information.

WhenAs soon as you realize it is missing

2

What to doCall the police. If you suspect your car has been stolen, report the incident to the police.

WhenOnce you have confirmed it wasn’t towed

3

What to doTrack your car. If you have a tracking system or tracking device, call the company to begin a search for your vehicle.

WhenAfter you have contacted the police

4

What to doCall us. Our claims representatives can start your claim and help you decide what to do next.

WhenAfter you have contacted the police and the tracking system/device company, if applicable

5

What to doGather your information. To process your claim properly, you’ll need to have these details ready: registration certificate, driver’s licence, purchase/rental contract, make/model/serial number of your car, invoices (for repairs, maintenance and added equipment) and keys. You should also make a list of the items that were in the vehicle when it was stolen.

WhenPrior to calling us have vehicle information and than prepare a detailed list of missing items

6

What to doTalk to a claims adjuster. Within 24-48 hours of you opening your claim, a claims adjuster will call you to complete your statement.

WhenOnce the claim is reported, an adjuster will take your statement

When your car was stolen, it may have contained items that weren’t covered by your car insurance policy. However, they may be covered by your home insurance or other insurance policy, depending on your coverage

The information contained on this webpage is for informational purposes only. belairdirect makes no representation, warranty or guarantee that use of this information will prevent damage or reduce your premium. Your insurance contract prevails at all times, please consult it for a complete description of coverage and exclusions.